Baler finance for farmers and hay contractors
Round, square and large square balers — financed on a chattel mortgage built around the hay and fodder season.
A baler earns hard through a short hay-making window and needs to be ready the moment conditions turn, so the finance should match that rhythm rather than fight it. We structure the facility around when hay and fodder income actually lands, so the repayment isn't due before the season pays. New, used or from a clearing sale — we can usually fund it.
Who it's for
Hay and fodder producers, mixed farming operations and contract baling businesses.
A balloon that matches income to the hay season
Hay and fodder income often arrives after cutting, baling and sale, not evenly across the year. A balloon (residual) keeps the monthly repayment lower through the off-season, with more of the cost carried by the payment made once the season's hay is sold. At the end of term you refinance, pay out, or trade up.
Round, square or large square — financed the same way
Whether it's a round baler for a mixed farm, a small square baler for retail bales, or a large square baler for a contract baling operation, the finance structure adjusts to the machine and the work it's doing. Brand and dealer choice is yours — we fit the finance around it.
Wrap the wrapper, rake and tedder into one facility
A bale wrapper, rake or tedder used alongside the baler can usually be included in the same chattel mortgage as the baler, so the gear that gets hay from paddock to bale isn't a separate cash cost.
Established farming business? Skip the financials
If your ABN has been trading a couple of years, you're GST registered and a director owns property, baler finance can often be arranged without tax returns or full financials, typically into six figures — usually enough for most balers and attachments.
Buying privately or at a clearing sale? We check the title
Balers bought through dealers, clearing sales or private sale are all commonly financed, including older or higher-hour units. On a private sale we run a PPSR check before settlement so you're confident the baler is free of someone else's finance.
Own the baler, claim the GST and depreciation
On a chattel mortgage your business owns the baler from settlement, so you can generally claim the GST input tax credit on the purchase and depreciate the machine over its working life. Confirm how this applies to your farm's structure with your accountant.
Talk to a specialist
Get the right rate and the right structure for your next asset. No pressure to proceed, no credit-file hit to ask.
- Panel of commercial lenders
- Low-doc options for established ABNs
- Pre-approval before you buy
Work it out backwards.
Start with a repayment that keeps cash in your business and see what it finances — then we’ll line up the right rate to match.
A balloon lowers your monthly repayment and keeps cash in the business. ~30% is common; new vehicles can go to 40%.
Your rate depends on the asset, its age, your ABN and security. A guide, not a quote.
Estimate only, excluding fees and charges. Not a quote, offer, or credit assistance. Actual repayments depend on the lender’s assessment.
Common questions
Usually, yes. A bale wrapper, rake or tedder can typically be wrapped into the same chattel mortgage as the baler, so the full haymaking setup is covered in one repayment.
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Ready to move on your next asset?
Get pre-approved and negotiate as a cash-equivalent buyer — we'll handle the rate, the structure and the paperwork.